How It Works

Bad Credit Car Finance

Get a car and finance package from the bad credit specialists

Get a quote in minutes ✅ - with zero impact on your credit score!*

Get Started

Rates from 12.9% APR. Representative APR 18.9%. We are a credit broker, not a lender. *a hard search will be performed if you decide to proceed


Bad credit car finance

Poor credit can impact the likelihood of lenders willing to provide you with a car finance loan.

You may be scared of rejection as a result of your poor credit history, or through not having a credit history that proves you’re a responsible borrower. Hippo doesn’t believe car ownership should feel like a hopeful aspiration, so we take a different approach.

The Hippo commitment:

Everyone should have the opportunity to finance a car regardless of your circumstances – so we provide a product and service that allow you to:

  • Ditch the stigma of bad credit lending by working with responsible, specialist lenders.
  • Invest in your future by purchasing a vehicle that improves your lifestyle.
  • Improve your financial credibility by paying fixed monthly payments that suit your budget.

Browse 1000s of used vehicles

We stock a massive range of used cars of various styles and body types, including the world’s leading brands such as BMW and Ford.

No image for BMW 3 Series
bmw 3 Series 330e xDrive M Sport 5dr Step Auto

Pay NO Initial Rental
£36,320
Or only £589.95 per month
View deal
Audi Q3
audi Q3 40 TFSI Quattro Sport 5dr S Tronic

Pay NO Initial Rental
£21,970
Or only £329.95 per month
View deal
Audi Q8
audi Q8 50 TDI Quattro S-Line 5dr Tiptronic

Pay NO Initial Rental
£35,220
Or only £489.95 per month
View deal
Audi A4
audi A4 35 TDI S-Line 163ps S Tronic

Pay NO Initial Rental
£21,600
Or only £329.95 per month
View deal
Audi A5
audi A5 2.0 TDI S Line 2dr S Tronic

Pay NO Initial Rental
£18,590
Or only £269.95 per month
View deal
Audi Q8 E-Tron
audi Q8 E-Tron 250kW 50 Quattro 95kWh Sport 5dr Auto

Pay NO Initial Rental
£42,920
Or only £579.95 per month
View deal
No image for BMW 3 Series
bmw 3 Series M340i xDrive MHT 4dr Step Auto

Pay NO Initial Rental
£27,920
Or only £399.95 per month
View deal
No image for Nissan Juke
nissan Juke 1.0 DIG-T 117 DCT N-CONNECTA

Pay NO Initial Rental
£13,900
Or only £219.95 per month
View deal
No image for BMW 5 Series
bmw 530e M Sport 4dr Auto

Pay NO Initial Rental
£30,220
Or only £449.95 per month
View deal
Audi A1
audi A1 30 TFSI 110 S Tronic S Line

Pay NO Initial Rental
£18,750
Or only £279.95 per month
View deal
No image for BMW 1 Series
bmw 1 Series M135i xDrive 5dr Step Auto

Pay NO Initial Rental
£21,470
Or only £299.95 per month
View deal
No image for BMW X2
bmw X2 SDrive 18i (136) Sport 5dr

Pay NO Initial Rental
£18,720
Or only £269.95 per month
View deal
No image for BMW X1
bmw X1 xDrive 25e M Sport 5dr Auto

Pay NO Initial Rental
£21,920
Or only £339.95 per month
View deal
Audi RS5
audi RS5 TFSI Quattro 2dr Tiptronic

Pay NO Initial Rental
£47,920
Or only £699.95 per month
View deal
No image for Nissan Juke
nissan Juke 1.0 DiG-T 114 N-Connecta

Pay NO Initial Rental
£13,000
Or only £199.95 per month
View deal
No image for BMW 7 Series
bmw 7 Series 740d xDrive MHT M Sport 4dr Auto

Pay NO Initial Rental
£38,920
Or only £549.95 per month
View deal

We prepare each car in our state-of-the-art service and repair centre. Our rigorous checks ensure your vehicle is in peak condition, so you’ll feel assured as soon as you get behind the wheel. Once you’ve found your perfect car, you can collect it, or we can deliver it to any destination in the UK. All our bad credit car finance deals come with no hidden costs. What you see is what you pay – avoid the worry and stress of financing your car, and enjoy the pleasure of driving it.

How to get car finance with bad credit

  • Step 1
    Step 1
    Check if you'll be accepted - with no impact on your credit score!*
    Simply fill in our quick and easy form and we'll let you know within minutes if you'll be accepted.
  • Step 2
    Use the My Hippo app to find your car
    Once you've been accepted for finance, your dedicated account manager will give you exclusive access to our portal, where you can browse 1000’s of vehicles and reserve your dream car
    Step 2
  • Step 3
    Step 3
    Drive away in your dream car!
    Collect your car within 48 hours from one of our showrooms or arrange nationwide delivery to your door!

Rates from 12.9% APR. Representative APR 18.9%. We are a credit broker, not a lender.

*a hard search will be performed if you decide to proceed

Bad credit car finance for everyone

Personal car finance
1. Personal car finance
We offer car finance for people from various backgrounds; your credit score doesn’t have to prevent you from getting a personal car loan, so we offer personal car finance agreements tailored to your needs.
Business car finance
2. Business car finance
If you run a business, you’ll be aware that your company has a credit score, too. We understand that businesses can suffer financial hardship that leads to bad credit, so we aim to solve that problem.

Check Your Credit Score

Car finance packages for bad credit customers

HP
Hire purchase
A loan that allows you to pay a set monthly instalment. Once you’ve paid off the finance, you’ll own the vehicle, so you can part-exchange it, either sell it or keep driving it.
PCP
Personal contract purchase
A loan that allows you to pay a monthly instalment, except you don’t pay off the total value like HP. You’ll have an option to pay a balloon payment at the end of the agreement if you want to own the vehicle.
PCH
Personal contract hire
A loan that allows you to pay a monthly installment, except you won't have the option to own the vehicle. PCH is ideal for people that know they want a vehicle but aren’t interested in owning it.

How to improve your chance of acceptance

Save a deposit
1. Save a deposit
If you can save before you apply, you’ll increase the chance of a better rate. But don’t worry if you can’t – we offer no deposit finance, too!
Speak to your lenders
2. Speak to your lenders
Don't avoid lenders if you’ve missed payments, they’re more likely to help you to find a solution if you’re proactive and honest.
Get a guarantor loan
3. Get a guarantor loan
A guarantor will be liable for payments if you can’t make them. A guarantor poses less risk to a lender which can reduce your interest rate.
How can Hippo help me get accepted for bad credit vehicle finance?

How can Hippo help me get accepted for bad credit vehicle finance?

You might be trying to finance a car loan with no credit history. Or perhaps you have bad credit but a good income and need to buy a car, but your poor credit history is holding you back – or so you think.

With over 50 years’ experience helping people get the car they want, Hippo knows that finding a vehicle when you have bad credit is possible if you use the right company. No jargon. No finance riddles. Straightforward car finance.

The Hippo team has experience helping people from diverse credit backgrounds get the car they want. Plus, you’ll get access to a vast range of specialist bad credit lenders, which will increase your chance of acceptance. Hit the apply button and use our FREE soft credit check that has no impact on your credit score.

Apply now

3 benefits of using Hippo for bad credit car finance

We’re specialists
1. We’re specialists
If you’ve got bad credit, CCJs, IVAs or any other financial difficulties, you should work with a specialist broker. As a specialist broker, we work with the best lenders to get bad credit car finance that's tailored to your requirements.
Pay nothing for 30 days
2. Pay nothing for 30 days
As well as offering you loans from bad credit lenders, we offer you the choice of avoiding a deposit – save money in the short-term. No deposit car finance allows you to avoid paying anything towards your finance for 30 days.
We keep your monthly payments low
3. We keep your monthly payments low
We work hard to keep your monthly payments low even if you have bad credit. We have access to thousands of vehicles, so you’ll never be short of choice, and if you can’t see the car you want, we’ll source it for you!

Why our customers trust us with their new car

If you’ve got bad credit or have financial difficulties, the last thing you want is to get stuck with a car you don’t like or one that needs expensive repairs. All our car finance packages come with these features as standard, so you can relax knowing you’re getting a reliable vehicle.

  • All our cars come with a free 130-point check, and no vehicle leaves our showroom without passing it. If the car comes directly from the manufacturer, it will be subject to their assessments.
  • We offer a 14-day money-back guarantee, so if you aren’t happy with your vehicle you can get a refund.
  • As well as your money-back guarantee, you can rest easy knowing you’ll receive an extra three months warranty from Hippo.

Apply nowGet an online decision in minutes

Hear from some of our bad credit customers

Hear from some of our bad credit customers

Very friendly, fast and polite, easy to understand and talk to. Overall best experience in a very long time, thumbs up from me!

Lesley Gartery | 25/06/2023

Helpful and useful guides

Everything you need to know about getting a car when you have bad credit.

What is a credit score and how does it affect a car finance application?

What is a credit score & how does it affect a car finance application?

How do I check my credit score before applying for a car loan?

How do I check my credit score before applying for a car loan?

What credit checks are done for car finance and will I get accepted?

What credit checks are done for car finance and will I get accepted?

What is car loan eligibility?

What is car loan eligibility?

FAQs

Representative Example of Credit

Based on a Hire Purchase (HP) agreement. We expect more than 51% of our customers to achieve this rate.

Loan amount

£7500

APR

18.9%

60 monthly payments

£188.16

Deposit amount

£0

Loan term

60 months

Flat rate

10.1%

Total cost of credit

£3789.60

Total amount payable

£11289.60

All pictures and/or photos and car descriptions on this site are for illustration and reference purposes only and are not necessarily the vehicle on offer. All offers are subject to change at any time and are subject to finance approval and vehicle availability. All prices correct at time of publication. E & OE.

Hippo Vehicle Solutions Limited t/a Hippo Finance is authorised and regulated by the Financial Conduct Authority. FRN 658076. Company number 06215364, registered company address – Unit 26, Trident Park, Trident Way, Blackburn, BB13NU. We are a Credit Broker not a Lender and can introduce you to a limited number of lenders. Subject to status and to UK residents only (excl. the Channel Islands). Individuals must be 18 or over. Guarantees and indemnities may be required. We typically receive a commission for introducing you to a lender, the commission we receive may be preset but can vary and impact the amount payable. Images for illustrative purposes only. Hippo Vehicle Solutions Limited t/a Hippo Finance is an Appointed Representative of AutoProtect (MBI) Limited for insurance distribution purposes. AutoProtect (MBI) Limited is authorised and regulated by the Financial Conduct Authority. Its firm reference number is 312143. You can check this at www.fca.org.uk

* Only a soft check is carried out when you complete this finance check which won’t affect your credit score. However, if you choose to proceed and order a vehicle, a full credit check will be carried out.
** Delivery and collection times are dependent on your vehicle being ready when you place your order. If your vehicle is still being prepared then these times may be extended.
*** We offer you a 14 day money back guarantee, meaning you’re not stuck in the remainder of your contract, if you change your mind once you’ve signed your documents. But this is subject to a cancellation fee which is £600.

We endeavour to ensure that all information including the specifications and finance availability are accurate. Whilst we make every effort to display correct information we are aware that errors may occur occasionally. We are not able, therefore, to guarantee the accuracy of all information especially when given to us by third parties. If you do require clarification of some information you have seen on our website, please email us at [email protected]. This does not affect your statutory rights.

Our registered office is Unit 26 Trident Park, Trident Way, Blackburn, BB1 3NU.

When completing an application on this site we will automatically check your eligibility across a range of finance & leasing products to provide you with the best selection of options that we can. Below is a Representative Examples of our HP finance options for comparison, we expect more than 51% of customers to achieve the rates shown.

Representative Example Of Credit (Hire Purchase)
Hire Purchase (HP) Finance Example: Cash Price £12,480.00 Total Deposit £1,140.00. Total Amount of Credit £11,340.00. 60 monthly repayments of £284.50. Interest Charges of £5,730.00 Total Amount Payable £18,309.00. Annual Fixed Interest Rate of 11.1%. Representative APR 18.9%.